Mr. Jim O'Keeffe:

When the guidance was issued in March 2017, it had already been issued in draft format the previous September. The high NPL banks were asked to start putting plans in place under that draft guidance at that point to be ready for sending in those plans at some stage early in 2017 when the final version would arrive. That plan had to be ambitious in terms of achieving the NPL levels. Therefore we set out a plan that would get us to the normalised levels by the end of 2019. However, in that plan the various initiatives that we have talked about, the ongoing restructuring and the sustainment of the team of 1,500 across the country in FSG were all included to ensure that it was not just about one particular aspect of the plan. A huge aspect of the plan is about continuing to do the restructuring and to achieve that piece.